HomeMortgage Lender In Tulsa, Oklahoma

Tulsa, Oklahoma

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Mortgage Broker Lenders Tulsa, Oklahoma

A guide to strengthening your mortgage application in Tulsa, Oklahoma

Is your financial situation less than ideal? To improve your chances of getting approved for a mortgage loan, you can take a few steps.

Get a Better Credit Score

You need a good credit score to qualify for a home loan. You can increase your borrowing options and lower rates if you improve your credit. To get started on the road to better credit, here are three easy steps.

  • Pay all your bills on time. Build a history of on-time payments to raise your credit score the easy way. Make sure you write down when your loan and credit card payments are due, and always pay the minimum amount.
  • Keep a close eye on your credit utilization. How much money do you charge each month to your credit cards? If you charge a lot, lenders may view you as a higher risk. You will see the largest increase in your credit score if you use less than 30% of your total available credit each month.
  • Get rid of your debt. The ability to pay off your debt shows that you have good financial management skills, and you don’t borrow more money than you can afford to repay. Prepare a plan to deal with your debt early and watch your score rise.

Reduce your DTI ratio

You’ll be a more appealing candidate for lenders if you lower your DTI ratio. The two ways to lower your DTI ratio are:

  • Spend less. All extra income should be used to reduce your debt and to downsize so that your living expenses are reduced.
  • Increase your income. Work toward earning more overtime on each of your checks. Ask for an increase at work, start a side business or take on a side project.

Both of these methods can significantly increase your chances of success with lenders, but neither is easy.

A Bigger down payment will allow you to get a better mortgage

Mortgage Lenders in Tulsa have to loan you less money if you make a larger down payment. Because you lose less money if you default, this makes your loan less risky for the lender. If you save for a larger down payment, you may become more attractive as a candidate for a loan and a lender and Mortgage Broker in Oklahoma may even be willing to accommodate you in other areas of the application. To do so, follow these tips:

  • Set a budget for savings. Decide how much you can afford to save each month after looking at your monthly budget. Don’t spend any of your down payment funds and keep them separate from your other savings.
  • Start a side business. There has never been an easier time to make extra money outside of your regular job than in the on-demand “gig” economy.
  • Find things you think you can sell and list them. Make a list of whatever you think you can sell around your house.

Discover the benefits of government loans

These loans come with insurance from the federal government and are backed by the government. In other words, if you default on your loan, the expert Mortgage Lenders in Tulsa are covered by the regulating body. It is less risky for lenders to lend money to applicants who qualify for government-backed loans. You must, however, meet specific criteria to qualify for government loans. A trusted Mortgage Broker in Oklahoma would willingly educate you about government loans, so you don’t have to worry about anything.

Government loans fall into three major categories:

  • USDA-insured loans: USDA loans are secured by the United States Department of Agriculture. You may be able to buy a home in a rural or suburban area with no money down if you qualify.
  • The Department of Veterans Affairs guarantees VA loans. With a VA loan, you can buy a home without a down payment.
  • Federal Housing Administration (FHA) loans are insured by the government. You can get an FHA loan with a low down payment of just 3.5% of your credit score and income to meet certain requirements.

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    Reviews

    Professionally these people are incredible. They were able to get me a mortgage at the lowest interest rates, and the process was very fast. I would recommend them to anyone looking for a mortgage.
    Grace J. Weisberg
    Grace J. Weisberg
    12:28 25 Jun 22
    I was impressed with the mortgage process. The entire process was very smooth, and I had to submit very little documentation. The entire process was incredibly fast, and I was able to buy the property I wanted. Highly recommend!
    Remy Gasser
    Remy Gasser
    11:11 21 Jun 22
    The mortgage process was extremely fast and simple. I had the best experience. We could get the best deal possible without waiting for too much time. No hesitation in recommending them to anyone.
    Schnauz Bridgett
    Schnauz Bridgett
    04:13 14 Jun 22
    It was a lifesaver experience. I was referred to them by a friend, and I'm so glad I was. They got the ball rolling quickly and I was able to get the home loan I needed.
    Tobias Wallin
    Tobias Wallin
    12:49 08 Jun 22
    The mortgage company was very easy to work with. They were able to get everything done in one meeting so, I didn't have to wait a long time for approval of the home loan. They were also very helpful in answering all of my questions. Overall, I was very pleased with their service.
    Barba Agosto
    Barba Agosto
    05:19 02 Jun 22
    This mortgage firm has been there for me every step of the way. I was never left in the dark, and they answered all of my questions in the most fantastic way possible, despite the fact that I had no history in mortgages, and yet their explanation of each and every subject was simply so clear and easy.
    Gene Brosnan
    Gene Brosnan
    07:47 27 May 22
    One can be certain that this mortgage company will not deceive you and steal all of your money. I had a positive experience with them, which is why I recommend their services to everyone.
    Claudia Kennedy
    Claudia Kennedy
    01:46 19 May 22
    I needed a home loan for an emergency, therefore I called them and they were quite helpful. They did a fantastic job. Everything went well when I received the financing.
    Berman Mcquaid
    Berman Mcquaid
    12:19 12 May 22
    It is really important to have someone who you trust for the assistance of money. I trusted the team to get me loan and they did a fabulous job.
    Amber White
    Amber White
    09:11 07 May 22
    I was able to receive the home loan I needed swiftly and effortlessly since they were professional and efficient.
    Sophie Jackson
    Sophie Jackson
    11:17 04 May 22
    Nettie Edwards
    Nettie Edwards
    13:23 26 Apr 22
    I needed money in a hurry, so I went online and found a company that lent money quickly. I applied and received the funds I required without difficulty. Thank you for your assistance!
    Melvin Russell
    Melvin Russell
    09:24 19 Apr 22
    It was a fairly straightforward procedure that took only a few minutes to complete. I would strongly suggest their services to anyone in need of a home loan.
    Debbie Berry
    Debbie Berry
    11:05 14 Apr 22
    I applied for a home loan online, and they assisted me in receiving it swiftly. There were no lengthy procedures that I had to go through.
    Jacqueline Perez
    Jacqueline Perez
    13:19 11 Apr 22
    They provided me with all the information I required for my reverse mortgage. Really happy with the service. Couldn’t be more satisfied.
    Sheila Hayes
    Sheila Hayes
    12:56 07 Apr 22
    we sincerely thank them for finding the best home loan for us. Our decision of contacting them proved to be right. We’re very happy and satisfied with their service.
    Nathan L. Posey
    Nathan L. Posey
    07:24 06 Apr 22
    They were recommended to me by a friend. They are extremely professional, quick, and simple to work with. The prices are also very reasonable. I'd strongly suggest them to everyone!
    Melissa Alvarez
    Melissa Alvarez
    11:16 04 Apr 22
    They were recommended to me by a friend. They are extremely professional, quick, and simple to work with. The prices are also very reasonable. I'd strongly suggest them to everyone!
    Sara Taylor
    Sara Taylor
    10:45 30 Mar 22
    I’m really thankful to your team for helping me out with the reverse mortgage. I'm definitely going to spread good words about your company to near and dear ones.
    Antonio Simmons
    Antonio Simmons
    11:13 29 Mar 22
    I really appreciate the support they provided me when I was applying for a reverse mortgage. They understood my need from the starting and provided me with amazing services. I’m highly thankful to the whole team.
    Mildred Thompson
    Mildred Thompson
    10:07 26 Mar 22
    Getting a home loan from them was a fantastic experience for me. They have a well-trained team that is well-versed in the needs of its consumers.
    Muriel Parker
    Muriel Parker
    09:10 22 Mar 22
    I appreciate your team's efforts in obtaining approval for my home loan. All information was proactively collected, and regular follow-ups were conducted. It comes highly recommended!
    Loretta Leonard
    Loretta Leonard
    11:18 16 Mar 22
    I'm delighted I chose your mortgage company over the others, and I'll be sure to tell my family and friends about your excellent loan service.
    Jamie Douglas
    Jamie Douglas
    07:41 25 Feb 22
    One of the best mortgage companies in Tulsa. The mortgage lenders were really helpful and got me the loan promptly. I love working with them to get the loan.
    Maxine Howard
    Maxine Howard
    06:45 17 Feb 22
    I contacted these mortgage lenders to get an FHA loan for myself. They handled my application really well and were there for me whenever I needed their help. I appreciate them!
    Sabrina Reid
    Sabrina Reid
    06:40 12 Feb 22
    You gave me with exceptional service in every way. Because the process was quick and straightforward, I will definitely recommend your mortgage company to people in need of a loan.
    Peter Harris
    Peter Harris
    11:29 07 Feb 22
    I was looking for a firm that helps me to provide a home loan and finally, I found them and they helped me a lot.
    Meredith Collins
    Meredith Collins
    12:55 03 Feb 22
    I had a great experience with them. We were able to get everything done in one meeting so, I didn't have to wait a long time for approval of the home loan.
    Priscilla Scott
    Priscilla Scott
    10:53 18 Jan 22
    I found them to be very professional, and highly capable when it comes to dealing with any financial issues. They were able to explain everything in detail, and made me feel at ease about the entire home loan process.
    Norma Brown
    Norma Brown
    04:07 13 Jan 22
    I have worked with this company for the last two years, and they are a great source of help. Their constant support and service in my time of need are unmatched. I would highly recommend them to anyone planning to apply for a mortgage.
    Andrea Garrett
    Andrea Garrett
    11:23 08 Jan 22
    I'm very happy with this mortgage company. I highly recommend their service!
    Janie Matthews
    Janie Matthews
    13:09 06 Jan 22
    I want to recommend you a mortgage broker who gave me an instant home loan with affordable interest rates.
    Antonia Lawrence
    Antonia Lawrence
    11:37 06 Dec 21
    When I decided to buy a new home, all I wanted was a mortgage that would allow me to own my dream house. None of the banks could give me the right deal, but they gave me an amazing offer with low interest rates. I really appreciate your honest service!
    Karen Jenkins
    Karen Jenkins
    14:20 03 Dec 21
    I was able to get the best deal possible because my mortgage broker has been in business for many years and he knows the ins and outs of getting the great rates for my home loan.
    Muriel King
    Muriel King
    12:33 02 Dec 21
    A friend of mine recently referred me to the service of this company, and I am immensely grateful for that. The loan officer was very helpful in explaining each step of the process clearly. Thanks a lot!
    Lee Gonzalez
    Lee Gonzalez
    13:28 23 Nov 21
    I cannot thank the team of the best mortgage lenders enough for helping me with the whole process from beginning to end.
    Therese Jennings
    Therese Jennings
    11:48 18 Nov 21
    I would strongly recommend them as one of the best mortgage companies and from experience would consider their service to be superior to all the major banks.! The diversity of their products has assisted me to enjoy our current lifestyle.
    Rita Damard
    Rita Damard
    06:05 29 Oct 21
    I'm so pleased a friend recommended this mortgage company to me! It was extremely simple to obtain the home loan I required, and they were extremely accommodating throughout the process.
    Antonio Gonzalez
    Antonio Gonzalez
    07:51 28 Oct 21
    This is the second time I've applied for a home loan with the help of these mortgage lenders. With them, I've always had a good time. Thank you so much, guys, for your fantastic service!
    Roy J. Thompson
    Roy J. Thompson
    05:27 10 Sep 21
    Thanks to them for their help in getting me a home loan. The staff was courteous and professional and handled everything with ease. Highly recommend them.
    Lucy Powell
    Lucy Powell
    11:54 18 Aug 21
    That was an awesome processing job. A dedicated loan officer was assigned to each phase instead of one busy loan officer. The home loan process went smoothly for me.
    Carrie Beck
    Carrie Beck
    11:43 11 Aug 21
    My emails were answered timely. I had a good experience working with these amazing people.
    Grace Bishop
    Grace Bishop
    07:10 29 Jul 21
    This mortgage company's support and assistance are second to none. Their customer service is outstanding and they are always available to answer all of your queries.
    Jaelynn Isai
    Jaelynn Isai
    04:38 17 Jul 21
    My dream of having my own house was fulfilled just with the help of PierPoint Mortgage. The team is super supportive and have a lot of knowledge that was a big helping point.
    Samantha Martin
    Samantha Martin
    13:17 09 Jun 20
    I was hesitant at first when thought of contacting Shannon about my mortgage plans. But trust me today I am happier & thankful to Shannon for guiding me throughout that time & making the best plans for me.
    Harriot Gibson
    Harriot Gibson
    07:39 09 Dec 19
    The whole process from general inquiry to mortgage application was a quick process and clear process. Shannon clearly explained the mortgage process and my options and made all the jargon for a first buyer easy and straight forward to understand. I also really liked how well Shannon kept me up to date with the progress of the application. I would highly recommend this amazing free service PierPoint Mortgage provides!
    Eddie Hart
    Eddie Hart
    13:30 12 Nov 19
    We found our best deal with PierPoint Mortgage. Thanks to Shannon. Recommended!
    Bobby Harms
    Bobby Harms
    10:27 06 Nov 19
    Professional team and Shannon is a best agent I have so far worked in this business. Overall a great experience with Pierpoint Mortgage.
    Chi Peter
    Chi Peter
    13:36 05 Nov 19
    Hassle-free, professional and friendly. Shannon from PierPoint Mortgage was a great guide, highly cooperative, enormously kind and remarkably spontaneous...Wish I'd done all my mortgages through PierPoint Mortgage!
    Consuelo Eccleston
    Consuelo Eccleston
    09:24 28 Oct 19
    PierPoint was just amazing when it came to my very difficult situation. They were kind and compassionate and the people working there really do care. Everything was easy to understand and they were able to get me and my daughter into our new home just before Christmas 🙂
    dk l
    dk l
    16:52 23 Aug 19
    Shannon and his team were just the best. I cant tell you how many times i had called with questions that, in retrospect, i could have just looked up myself, but they were always so friendly and eager to give me more than enough info on each question i had. Plus, it was so cool that the owner of the freaking company helped me with my mortgage! I am def. going to refer them to anyone i know who needs a pr-apporoval
    wilfre dobenderYaf
    wilfre dobenderYaf
    14:44 23 Aug 19
    Shannon was an amazing Loan Officer. I would definitely recommend him to anyone looking to buy a house. He is easy to get a hold of and very friendly.
    Henry Hemerez
    Henry Hemerez
    19:35 30 Jan 19
    Great communication and they are super straightforward with you. My loan closed on time! Thank you PierPoint Mortgage
    Justin Adamey
    Justin Adamey
    20:35 28 Jan 19
    Thank you Shannon at PierPoint Mortgage for helping us get our home loan. We are very pleased with the service we were provided and would definitely recommend Shannon to anyone in the market to buy a house.
    Maria Conrad
    Maria Conrad
    20:21 28 Jan 19
    Shannon made buying our first home very simple and stress free! The mortgage loan closed within just a few weeks and we are already moved in! Thank you so much to Shannon and his hard-working team.
    Louise Casey
    Louise Casey
    19:58 23 Jan 19
    I am so thankful for PierPoint Mortgage. We finished refinancing right before the holidays, best decision we have every made!
    Connie Sighz
    Connie Sighz
    19:55 17 Jan 19
    Shannon is a great loan officer! He was with me every step of the way and got everything processed quick. I am so lucky to have had a loyal person by my side throughout the purchase of my new home.
    Danny Larson
    Danny Larson
    20:01 16 Jan 19

    We Are Here To Help You

    Our Tulsa, Oklahoma Office

    With 50 years of experience in the industry, PierPoint Mortgage is offering the finest mortgage services. We deal in various mortgage programs that will help you become a proud homeowner.

    Address
    7122 S Sheridan Rd Ste 1008,
    Tulsa, OK 74133
    918-992-7511

    ABOUT US

    PierPoint Mortgage, LLC, was founded in 2003 and had been offering brilliant services ever since. It is a nationwide mortgage broker that has over 50 years of mortgage experience.

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